Commercial Trucking Insurance: Protect Your Fleet, Cargo, and Bottom Line

Understanding Commercial Truck Insurance

The trucking industry is the backbone of modern commerce, ensuring that goods are readily available to consumers nationwide. Trucks also play a critical role in other sectors, such as construction.

There’s no doubt that trucking companies and other businesses that rely on heavy motor vehicles for their day-to-day operations are exposed to greater risks of loss caused by accidents, vehicle damage, or the loss of motor truck cargo.

Commercial insurance is designed to ensure not only financial protection but also compliance with local, State and Federal laws. 

Types of Commercial Trucking Insurance

The following coverage options are available to motor carriers:

• Motor Carrier Primary Liability: The primary liability insurance required by law to cover damages or injuries caused to others by your truck while operating.
• Motor Truck Cargo: Covers damage or loss of cargo that is being transported by the truck.
• Physical damage: Protects against damage to your truck and trailer caused by collision, fire, theft, vandalism, or other covered perils.
• Motor carrier general liability: Covers bodily injury and property damage liability arising out of business operations not directly related to truck use
• Uninsured/underinsured motorist coverage: Pays for injuries or property damage sustained by you or your passengers caused by a driver who is uninsured or underinsured.
• Personal injury protection (PIP): Covers medical expenses and lost wages for the driver and passengers, regardless of fault, in the event of an accident.
• Excess liability: Provides additional liability coverage above the limits of your primary liability or general liability policies.
• Excess cargo: Offers extra coverage beyond the standard cargo insurance limits for goods being transported.
• Non-trucking liability (Bobtail): Provides liability coverage when the truck is being used for personal purposes, outside the scope of the motor carrier’s dispatch or business use.
• Contingent Liability: Protects businesses that hire motor carriers or independent drivers if they are held liable for incidents involving the hired truck.
• Contingent Cargo: Provides coverage for the cargo of hired motor carriers if their insurance is insufficient or doesn’t apply.
• Trailer Interchange: Covers physical damage to a non-owned trailer being used under a trailer interchange agreement.
• Non-Owner Trailer Coverage: Covers damage to non-owned trailers that are not covered under a trailer interchange agreement.
• Single Trip Cargo Insurance: Provides cargo insurance for one-time or short-term transportation needs.
• Auto Haulers Insurance: Covers businesses that specialize in hauling vehicles, including liability and cargo coverage specific to auto transport.
• Refrigeration Breakdown Coverage: Covers losses due to refrigeration unit failure for perishable goods.
• Hazmat Insurance: Specialized coverage for transporting hazardous materials, ensuring compliance with safety and liability requirements.
• UIIA Requirements: Meets the specific insurance requirements for motor carriers participating in the Uniform Intermodal Interchange and Facilities Access Agreement (UIIA).

Surrounded by insurance jargon? Our comprehensive trucking insurance glossary makes it easy to get clarity and take control of your coverage.

Types of Vehicles We Cover

We provide insurance solutions for a wide range of commercial vehicles, including:

• 18 wheeler trucks
• Box Trucks
• Hotshot Trucks
• Dump Trucks
• Private Carrier trucks
• Owner Operator trucks
• Semi-Trucks
• Pickup Trucks